Farm Insurance

farmowners insurance

If you live in Kentucky, you know there are farms in just about every nook and cranny of the state. Kentucky Farm Bureau Insurance protects more than 65,000 of those farms. Our agents are hometown people delivering honest answers, good advice, and quality customer service from within your community. We have adjusters throughout Kentucky. When you file a claim, you can expect it to be handled quickly and efficiently.

Contact your local agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.

Coverage Options

From poultry farms to peach farms, we've got you covered. Your local Kentucky Farm Bureau Insurance agent will help you select the protection that meets your needs. You can even tailor your policy to provide additional coverage to your dwelling, contents, farm equipment, and farm buildings.

Property coverages

  • Dwelling
  • Personal property
  • Additional living expense and loss of rents coverage

Liability coverage

  • Bodily injury
  • Medical payments
  • Property damage
  • First aid expense
  • Incidental farm business pursuit (i.e. roadside stands)
  • Limited pollution

Coverage for your farm equipment and farm buildings
When you insure your farm equipment or farm buildings, some of the perils you receive protection from are:

  • Fire and lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism and malicious mischief
  • Glass breakage (farm building only)
  • Falling objects
  • Theft or attempted theft
  • Overturn or collision (farm equipment only)

Optional coverages

  • Named persons medical
  • Farm employee loss of wages
  • Farm employee liability

Additional coverages available

  • Water back-up and sump overflow
  • Jewelry
  • Earthquake
  • Additional animal perils
  • Farm equipment glass coverage
  • Business pursuits
  • All terrain vehicles
  • Identity fraud expense
  • Equine business liability
  • Weight of ice, sleet, and snow

Ways to Save

Kentucky Farm Bureau knows farms — and we understand how costly owning one can be. Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.

Active automobile policy discount 
If you have an active automobile policy with us, you are qualified for up to a 20% reduction in your annual premium.

Dwelling age discount
If you live in a newly constructed home, you may be eligible for a discounted premium.

Protective devices discount
We'd be happy to reward you for safety enhancements made to your property, such as deadbolt locks, smoke alarms, fire extinguishers, security alarms systems, sprinkler systems, and more. 

Dwelling roof discount
This discount applies when you have a newer roof on your home.

"Property Plus" discount
We love to reward good members! Claim-free members and/or those with a qualifying insurance score may be eligible for a discount.

Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. 

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

 

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What to do if you experience property damage or a loss

If you have experienced property damage or a loss, click here for instructions on what to do next.

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